according to the regulations on the administration of credit reporting industry, the retention period of personal bad information by credit reporting institutions is 5 years from the date of termination of bad behavior or events; If it has been more than 5 years, it shall be deleted. That is to say, personal bad credit records can be automatically eliminated in five years under normal circumstances, but there will be a special situation: if the bad debts recorded in personal credit records are recognized by relevant departments (that is, the repayment period has expired, and they cannot be recovered after being urged, and they are in a sluggish state for a long time), such bad credit records will directly follow the individual for a lifetime.
Common ways to deal with bad credit card records:
1. Take the initiative to contact the bank and negotiate a solution. If it is non-malicious overdue, you can contact the bank in time and actively, and explain the reasons to it. Generally, the bank is willing to help if it is justified, but you must seize the opportunity. If the overdue time is too long, it will be futile.
2. Pay the arrears in time and maintain good repayment habits. This method is suitable for overdue credit cards, that is to say, the cardholder will pay off the arrears in time, and then maintain a good repayment habit, so that bad records will be covered by good records, thus forming a new and good credit record, but the card cannot be cancelled.
3. Make a meaningful application. If you have any objection to the credit record, you can bring your ID card and file an objection application with the local central bank's credit information center. After the central bank verifies that there is indeed an error, it will be corrected according to the investigation results.
4. If the bad credit is caused by the bank, you should immediately apply for cancellation.
if personal credit record is bad due to bank reasons, you should provide relevant evidence to contact the "involved" bank in time and ask it to eliminate the bad credit.
although the bad credit of credit cards will be eliminated after 5 years except for special circumstances, I personally think it is better not to leave a bad credit record. What if you have a bad credit record but need a loan within 5 years? When you use a credit card, you have left a bad credit record for hours, so it is best to deal with it in time.